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  1. Cutlery

    Girls who broke your heart thread

    Yeah, pretty much. Got laid last night, wanna know how much effort it took me? The effort to get up off the couch and walk to the bedroom. Got a blowjob on Saturday, got some anal on Sunday, I tell ya, it"s a brutal existence. Probably get laid tonight too. Don"t have to buy her anything, don"t...
  2. Cutlery

    Girls who broke your heart thread

    Not even close, but thanks for being an expert on my marriage. I"ve been in a relationship for longer than pretty much anyone else around here, or in my circle of friends, but yeah, I don"t know what the fuck I"m doing.
  3. Cutlery

    Girls who broke your heart thread

    And people wonder why I got married at 19. I found a woman who doesn"t play those kinds of games and locked her down right away. Yeah, been a rocky road, but reading this thread every day reminds me that having a stable piece for the last 10 years is far superior to this shit
  4. Cutlery

    Home buying thread

    I hope you know where the nearest Home Depot/Lowes is, and I hope it"s close. Mine is right down the street, and the only thing saving me from doubling the amount of time it takes to do shit. I gotta run down there easily 6 times a day on my days off. Wrong part, wrong tool, don"t have the...
  5. Cutlery

    Girls who broke your heart thread

    You want kids? The woman who stays the same weight after kids is the genetic anomaly, doesn"t usually happen, and no way to tell beforehand. You"re rolling the dice no matter what.
  6. Cutlery

    Home buying thread

    Meh, it"s one person. If they really feel their property is worth more, let them sit on it until someone agrees with them. Like I said earlier in the thread, there was a house a block over that has been on the market for over a full year (Might be closer to 18 months now) for 250 or something in...
  7. Cutlery

    Girls who broke your heart thread

    Well, not only that, but if you think women stay the same shape after 10/20/30 years, you"re disappointing yourself. If she"s not a hog, and you can talk to her without feeling like stabbing yourself in the face, and if she takes it in the ass, call it good, keep it rolling. Good chance the...
  8. Cutlery

    Home buying thread

    You wanna know the extensive application process to get into the magnet school? We had to fill out a form stating the child"s name, address, and birthday. Then we were accepted It"s pretty sweet really. The teachers seem to actually give a shit. During the summer one of them goes on...
  9. Cutlery

    Home buying thread

    Heh, got my kid into the elementary magnet school of arts and science, that place has some serious budget, set of guitars for music class, full fledged science lab, gigantic library. Sure beats the shit outta the crappy district I went to. I"m just happy doesn"t require a million dollar...
  10. Cutlery

    Home buying thread

    Could always make sure you put enough down to get under the 417k loan cap, and avoid the jumbo"s entirely. Just look in the 700-767 range instead. I know there might not be that 5th bathroom, but you"ll just have to adjust
  11. Cutlery

    Home buying thread

    Not much help there. I keep telling the wife we should upgrade homes every few years to get to that point, but she"s not having it
  12. Cutlery

    Home buying thread

    Yeah, and get charged 2 and a quarter points for the loan origination fee. So it"s pretty easy to say "Fuck Conventional" and not give 2 shits what they think. I"ll go about my day unconcerned, I definitely have no plans of worrying about that fucking extortion racket. And also, since most...
  13. Cutlery

    Home buying thread

    We put down 3.5%, standard FHA 30 year fixed mortgage. We were preapproved for 250k, house we bought was 245k. After all was said and done, the loan is for 240k. It was later appraised for $255, but in the week and a half we"ve been there, I"m sure we"ve kicked the value up another $10k. P...
  14. Cutlery

    Home buying thread

    Meh, it"s quite fucking obvious that the lenders still don"t give 2 shits about anything. Like I said before, I"ve got a doctor"s bill in collections that I never saw and my insurance never paid, so my credit score isn"t what it should be, and between my wife"s student loans and my truck, we"re...
  15. Cutlery

    Home buying thread

    Don"t have shit to do with credit, everything to do with income. Wife"s got some shit credit and mine is a lot fucking lower than I want now thanks to a medical bill that I never saw and my insurance never paid going to collections. We still got approved for 250, and got 5.5% interest. Also...
  16. Cutlery

    Girls who broke your heart thread

    Actually if you beat a dog enough, it"ll piss on the carpet any time you even fucking walk near it, kind of making the whole interaction pointless. Just sayin"
  17. Cutlery

    Girls who broke your heart thread

    Who"s putting words in who"s mouth? I didn"t say my marriage was awesome, ever. I think it"s quite obvious after the beatdown you"ve gotten in this last page that you"re dead wrong about everything. Am I negative? No fucking shit. Seen my post history? I"m not a sunshine and flowers kind of...
  18. Cutlery

    Girls who broke your heart thread

    To be honest, it doesn"t sound like you know what the fuck you"re talking about. My wife is the ONLY fucking person in the world I trust. Everyone else has let me down in some degree or another, but I know my wife will be there when I need her to be, and when I"m not around, I"m 100% certain...
  19. Cutlery

    Girls who broke your heart thread

    You can know who you are and still be completely worthless in a relationship. Relationships fail because of games, lack of communication, and control. If you"re a pair of level headed people, I guarantee you can find a way to work thru whatever problems arise. People who fall back on spite and...
  20. Cutlery

    Girls who broke your heart thread

    Of course it does. It ends either when you start getting into your 30"s when your drive slows down, or when you"ve had a steady piece for many years. I"ll be 30 next month, wife is a few months younger than me, we"ve been married for 10 years. I could go without sex for a few weeks no problem...
  21. Cutlery

    Girls who broke your heart thread

    That"s the goddamned POINT, dude. Do you think she would have changed if she had stayed with you? Fuck no, it"d be the same bullshit every night....I"m tired, I"ve got a headache, same crap, different day. The entire reason she is doing this shit is to get to you. And you"re letting her.
  22. Cutlery

    Home buying thread

    Well, also remember that it"s not an $8,000 credit. It"s 10% of the purchase price, up to $8,000. I know you mentioned buying a 60-90k house, but if you want the full credit, it"s gotta be 80-90k. Appraisal on mine came in 10k higher than the purchase price. Comparable properties in the...
  23. Cutlery

    Girls who broke your heart thread

    If you mean more straightforward, less lies and bullshit, then yeah, you"re right.
  24. Cutlery

    Home buying thread

    My thoughts for your long distance search? You"re fucked. You gotta get down there and look at houses, trying to do it without seeing the property is gonna get you burned. I looked at probably 100-200 houses this summer that looked good online, and for some reason or another weren"t...
  25. Cutlery

    Girls who broke your heart thread

    Because if you"ve ever had a good thing and let it slip away through your own doing, you start to kick yourself in the ass. It almost happened to me, and I understand exactly what"s going on with him. I was in a loveless marriage for a few years as a result of my fuckups, I"m just lucky enough...
  26. Cutlery

    Home buying thread

    It"s not an arbitrary number. It"s 10k more than I wanted to spend. That seems pretty reasonable to me. Why bother trying to get me preapproved for 350k when I don"t want to spend 350k?
  27. Cutlery

    Home buying thread

    Not necessarily. I told my mortgage guy that I was looking at houses in the 210-240 range, he got me approved for 250, and I don"t think he even tried any higher. I told em that"s fine, I don"t plan on spending anymore to begin with. Who knows what I could have been approved for if I wanted to...
  28. Cutlery

    Girls who broke your heart thread

    You know you"ve been working overnights too long when you read something like that and don"t see anything wrong with it. Shit man, on my days off, I"m up at 4am. I"d love it if I could sleep until 6
  29. Cutlery

    Home buying thread

    Fairly similar to my situation. Seller paying 8k, 245k sale price, need to put down 9228. We got the kid into the Science and Art magnet school, no clue why it"s called that, but this place has a gigantic budget. It"s an elementary school with a science lab. I wish my parents would have loved me...
  30. Cutlery

    Home buying thread

    Not if you buy a house for 12 bucks and some magic beans like Wolfen did.
  31. Cutlery

    Home buying thread

    Got my closing costs right in front of me. 1% loan origination fee (1% of the amount you borrow) $475 FHA appraisal fee (only required for FHA loans, but because Conventional loans charge points, or as I refer to them, "Extortion fees," you"re better off FHA. $25 credit report fee $495...
  32. Cutlery

    Home buying thread

    Which is true considering the turnaround time on a bid on a short sale. Inspection was today on mine...nothing of any consequence whatsoever. There"s a GFCI in the basement bathroom that needs to be replaced (MAYBE 20 bucks and 5 minutes) and the right side of the kitchen sink leaks (Pretty...
  33. Cutlery

    Home buying thread

    I guess it depends greatly on who owns it and how good your mortgage guy is. My sister closed on a house in less than a week once they got their bid approved. I bid on this house in late june/early july, and I"ll close on Aug 31st, but it was a short sale, bank had to approve the offer, and they...
  34. Cutlery

    Home buying thread

    Offer accepted by the bank, officially. They"re turning on the power thursday or friday for the inspection. House is vacant, title has already been cleared for the bank to own it, we"re ready to roll. Just gotta hope the inspection doesn"t turn up anything groundbreaking and we"re set. All in...
  35. Cutlery

    Home buying thread

    You just wanna feel like there"s a justification for your line of work. It"s okay man, I won"t tell anyone else how easy it is
  36. Cutlery

    Girls who broke your heart thread

    I got used to keeping the lid down on the toilet seat after I got my contacts. If you"ve ever dropped one of them fuckers, you know they are an aerodynamic freak of nature and will end up places that you did not think possible. I don"t care where the toilet is in that room, you can hit it with a...
  37. Cutlery

    Home buying thread

    Alright, well, fine, screw me for giving myself not enough credit apparantly, because I did all that shit when I was 16. Redid the sauna, the basement bathroom (and the associated plumbing for both), built a deck, laid tile, done it all. Maybe I wasn"t your average 16 year old with an average...
  38. Cutlery

    Home buying thread

    I really don"t think that"s a huge issue for the VAST majority of projects that a homeowner would have to deal with. I"m talking like garbage disposal/bathroom vanity/shower kinda shit here, not main sewer line. Of course there"s crap you can get in over your head with, but the vast majority of...
  39. Cutlery

    Home buying thread

    I"m basically beyond pissed at how this has all rolled out on this house. We got fucked on a foreclosure before this, the bank apparently refused to consider the offer we put in (which was a damned good offer, honestly), and then just up and took the house off the market. Realtor gave us our...
  40. Cutlery

    Home buying thread

    Still man, it"s paint. There"s simple stuff to do around the house, and there"s shit that should probably be done by a professional. Paint ain"t shit in the grand scheme of things. Just like you can handle plumbing too. Plumbing is easy...you fuck up, you get wet, big deal. Electrical...well...